PHOENIX, ARIZONA -- June 2009, I purchased an auto policy from Progressive Insurance to protect myself against accidental risks and to provide financial security, and peace of mind. Five and a half years I trusted that since I paid every payment on time and every premium, that I would be protected and treated fair when I needed them. Early September 2013, I hit a little puddle of water and it ran me into a curb, there was no body damage just areas of the wheels were hit and two arms bent, it was totally driveable. I reported the claim to Progressive shortly after and spend what seemed like an hour telling the representative that I didn't want to take my car to their hack shop repair center.

After reporting my claim. I took my car to a the quality repair facility because I had seen some of their work and I knew that it could be fixed quickly. I pick up a rental car from and thought that I was in good hands. Two days later, I received a call from Progressive stating that my car was a total loss and that I had 72 hours to return the rental car. This news was a total shock because the vehicles showed no signs of damage to the body, just the wheels and some underneath components.

Progressive also told me that the actual value of my car was $9,200 after the deductible. I asked how they determined the value of my vehicle? I was told that Progressive had done extensive research to determine my car's actual value through regional car values and J.D. power and associates. It seemed fishy to me so I asked them to send the report attached along with the estimate. I received a Mitchell vehicle valuation report. The procedures that they claimed to be "extensive" were actually from a website that only insurance companies used to quickly give a low ball report and summary of the values of vehicles.

This report used to evaluate my Infiniti sports coupe was deceptive and artificially law. Throughout the report I found multiple errors and was very concerned with precisely how these data was collected. This report is used by insurance companies in order to justify offering as little cash possible for vehicles. The report even listed the MSRP of my vehicle at $32,750 when in fact the sticker on my car was $37,240. There was no tax. The mile search range was totally off (25 miles), they told me 150 miles is the lowest range.

Reductions for condition of my car listing poor/fair. Options were missing. Inflated reductions for market adjustments, reduced value amounts for having a sunroof in multiple comparable vehicles. Also all for tires were new. The report was so off and flawed. I emailed my concerns about the report. I called them to tell him all the errors but he kept cutting me off and told me "it is what it is". I begin to feel pressured to accept what I believed was an unfair valuation of my vehicle and to total my vehicle was ridiculous.

Several days went by and I had not heard from them, so I decided to call the supervisor. I explained to them that if the real, unflawed value of my car and the correct estimate amount were applied my car would not be close to a total loss at all. I also advised them that the repair estimate was unnecessarily inflated. I also explained to them that I do not have a way of qualifying for another vehicle and I really need to have this car repaired. They told me that they revised the estimate but the actual car value could not be adjusted. She told me the car was still a total loss.

She also disregarded my concerns that the report contained errors. I then called an independent appraiser and scheduled appointment to have my car appraised based on their review, my car was worth $13,600. I emailed this report to Progressive and I called to make sure that he received the report and asked them to review the claim to see if my car could be repaired. The representative, while laughing, said "certainly not." I was shocked because I've never been treated so terrible in all my life and asked to speak with his supervisor again but he said she was not in.

Later that day, I received a call from another supervisor and I told her about the representatives conduct and the fact that it was not acceptable. I made it a point to tell her all the errors and how I had been treated. I also asked if I could get a rental car until we figure out a solution to the problem. She told me no, that once the car is declared a total loss, she would not be able to provide me with a rental car. I explained to her that that the Infiniti was the only vehicle I owned, but she did not seem concerned.

It has been over 2 to 3 month since the claim and I have not been able to talk to anyone from Progressive that was even willing to listen to me or explain the discrepancies in their numbers. I can't understand why I am stuck with no vehicle, no help, and no information. Their behavior with the insults and verbal abuse were intimidating and wrong. Progressive used scare tactics and threats of fees to urge me to act now. I asked the supervisor to place me with another adjuster but she refused.

To top it all off when I bought the policy they gave me paper that tells you all about their wonderful auto loyalty member rewards. The pamphlet says after you are insured with them for 4 years you become a diamond member, with "full large accident forgiveness" and goes on to say "This helps keep your rates from going up if you're in an accident-even if its your fault". When I asked them about it, they told me "Yeah we changed that to 5 years now." WTF! Progressive is The Worst Auto Insurance Company, I would think Twice.

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Boat problems

By Michael - 10/01/2012

Rating: 1/51

ROCKPORT, TEXAS -- 7-21, hit a submerged object at full speed, hit it hard enough to shut down the motor, got it started and limped it to the dock. When I got to the dock found out that my reverse was gone. Dropped boat of at dealer to check it out. mechanic calls me 8-7 and ask me what the heck I hit {never told him I hit anything} tells me the gear case is shot {reman $2100} I call my agent and file a report. 8-8, get a call from the inspector to let me know that SHE is going out to look at my boat. 8-9, she calls me back and tells me that she is writing up an estimate for repairs and she will call be the next day.

3 days go by and no call. I call her and she won't return my calls, call my agent and he tells me that she is still working on it and she always returns calls. leave for vacation for a few days. get back home and am driving by the dealer so I stop in to see how repairs are going. they have not heard a word from my insurance. I start calling from the parking lot and no answer and no body will call me back. I finally get her to answer and she tells me her boss has my claim so I get his number and call him. The boss is looking at the pics that she took and tells me it won't be covered because its wear and tear.

I asked if they can send another person out to look at the boat for a second opinion and he tells me no. We had a polite conversation right up till the point that I asked him if he was a boat mechanic or if she was. He gets an attitude with me and tells me that the boat dealer and I are in this together trying to get a claim {first time my boat has ever been to this dealer} and that maybe my mechanic does not know what he's talking about - that's when I got an attitude.

After he hung up on me I went back inside and had a talk with the mechanic and let him know that they are denying my claim, that's when he shows me 3 other lower units that the same guy denied their claims also saying its wear and tear. One of the props had all 4 blades bent the wrong way.

As off today I have been calling them everyday and no calls back. The dealer calls me this afternoon and tells me that the brp evenrude/johnson service representative showed up at there shop for a visit they asked him to look at my lower unit and tell them what's wrong, less than 5 min he tells them that its impact damage. So I guess I will be back on the phone with these idiots tomorrow next step is for me to hire a marine surveyor with my own money. I think that a mechanic with 30 years ex. and the service representative for johnson may know what there talking about. Just my 2 cents on Progressive

Well I called them all day again yesterday and no answer. About 3:00, the boss calls me back. I ask him where do I go from here and he tells me they are done with it so I told him that they need to step up and fix the boat and that they never had a problem cashing my checks. Well here we go again with the normal wear and tear BS. He tells me that the shaft is not bent so that's why that won't cover it. Well we go round and round again then I asked him how the prop got spun of the bearing and - Wait for it - he says well that's from impact damage.

Now it just shoots out of my mouth and I had to tell him that he is a ** idiot. Then he pulls this out of his ** that the gears were not installed correct {first time I have heard this one}. I let him know that I bought the motor new and the gear case has never been opened. Anyway I told him I was hiring a marine surveyor and a lawyer and that's when he gets the attitude again and tells me to do what I need to do. Well just before we hang up I tell him that the service representative was in and looked at my motor and says its impact damage then all of a sudden he has a change of attitude. I just left it at that and hung up.

Well today I called the surveyor to find out some info. At the end of our conversation, he asked me what insurance I have so I told him and says oh so your dealing with - I not going to put there names on here but he already knew about them so maybe there is still hope. My dealer called me today to let me know that they were back in looking at the boat and wanted to know what the service tech had told them. It should not be this hard..

Well as of today I am giving up. I hired a marine surveyor to check the lower unit and Progressive hired one also. They both agreed that the damage was done from impact damage then their surveyor throws in that it "MAY" have been from more than one impact. I call my Progressive agent that I am dealing with and he tells me that its not covered because it "MIGHT" have been more than one impact. What happened to normal wear and tear, bearings installed wrong,

Anyway the next step is to hire a umpire to set down with the surveyors and what he decides is it. That's going to cost another $600 dollars. I was also informed that if he rules in my favor that they will only pay for half the repairs due to the motor being 12 years old. Well repairs are $3300, I have spent $325 on the surveyor, it will cost me another $300 on the umpire then my $500 deductible its not worth it to break even plus my boat storage that I am paying is not cheap and they want their money if the boats there are not.

Anyway I have sent this link for this post to my agent and I also attached it to the other Progressive post on this site so maybe somebody else won't go through this. Now that this is over, I won't you guys/gals that have Progressive and use your boat at the coast from Port O-Conner and south these are the 3 folks that you will be dealing with if you have a claim. These folks have lied to me at every turn the worst customer service I have every dealt with, won't call me back for days. Anyway the parts are on order and I should be back on the water soon.........

Well I just called Progressive to cancel my policy and now somebody cares, she tried hard to get me to stay, they want me to talk to somebody in charge in the claims department tomorrow that should be fun...Well it just gets better all the time, I get a call and when I answer the guy says this is Progressive and I was asked to call you{never says his name}. Well I explain the problems that I have had and start naming names and then the guy stops me and ask me "so what's your complaint" at this point I tell him to have a good day and we hang up.

I had the call on speaker so my wife could here and the whole time I am talking she is laughing at me. After I get of the phone I ask her what's so funny. She pulls a paper out that she has been keeping notes and phone numbers on and looks at the number on my phone and tells me that I was talking to the head Idiot that we have been dealing with at the coast. Anyway we had a good laugh and its over.. My brother called to cancel his policy yesterday and when they asked him why he told them about me so now that want him to talk to a regional manager today...

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Don't Bundle with Progressive - They send you to Homesite Insurance of MA

By Jeff - 07/09/2012

Rating: 1/51

MAYFIELD, OHIO -- I was refinancing my Home and was told my insurance was high. I looked around for quotes, and because of the Auto Insurance was with Progressive my wife wanted to use their Bundle. Info was exchanged over the phone and I was given a policy that cancelled my existing policy. Within the month I received a letter that they had sent out an inspector who looked at the outside of the house, and based on his inspection they cancelled my insurance.

There was a 12' Lilac bush that touched my gutter, and a screw that was holding a piece of siding in place(That was there when I moved in 7 yrs ago, because I didn't put it there, and it passed the sales inspection, and three apraisals). Basically, they did not want my business, but the agent on the phone had no problem canceling my current policy. DO NOT USE PROGRESSIVE BUNDLE PRODUCT.

Hello, I have my office in a small quaint little East Texas town, it is (or was) a gorgeous old home just off the two lane highway going through town. It is a pier and beam with some of the original bodark stumps. I had just recently remodeled the gorgeous office which is a focal point while driving through town. On May 6 of 2013, a woman insured by Progressive was speeding through town and veered sharp to the right to avoid a car that had their left blinker on to turn into the apartments that I own across the two land highway.

The woman insured by Progressive was rude and upset. She had been texting and looked up to see the car stopped in front of her. The police came, we all took photos, even photos of the insured. The damage to my office building took pillars out, crashed my porch, my new Austin stone, my doors were immediately out of whack and were hard to open, the antique furnishings inside were slanting from the impact and it was clear that the foundation had shifted from various other obvious factors.

Progressive was called and they took weeks to send an adjuster out, when he finally arrived he stated that he was concerned for he had never handled an auto claim where their insured had crashed into a building. As expected from his attitude, it took weeks but the estimate came in at $2500.00 dollars and claimed that their insured had not caused all of the damage.

I threw a complete fit with Progressive and contacted the CEO. I was assured that I would be taken care of. Progressive then sent what they told me was a Texas State Licensed Engineer out to write a report. The report took weeks and my tenant and I waited and waited, we had been told not to use our building until the Engineers report was in.

After weeks of my daily emails requesting that the report be completed, the report came back with a ridiculous finding. The building was fine, according to their "Engineer", I had anticipated some type of Fraud response as I had looked Progressive up with the Texas Insurance Commission and seen that they had been fined many times and paid the fines for using unlicensed individuals to try to pay less on claims.

With this information, I looked up the Engineer, ** with Rimkus Engineering and SURE ENOUGH! ** had been sanctioned in 2002 NEVER to practice engineering in the state of Texas until he acquired his Texas PE License. ** was fined, and ** had recently been fined within months early and Rimkus Engineering hired an attorney to get him off for practicing without his Texas License.

I hired a REAL Licensed Engineer and a REAL foundation company to come in and give reports. This cost money, but I wanted a REAL answer. Sure enough, Progressive had tried to defraud me, as they had many others. I have estimates totaling way over $84,000.00 to make the repairs on my office building, not $2500.00 that Progressive wanted to pay.

To top this off, when we finally re entered my office, an armoire that had been knocked by the impact fell on top of me and pinned me down. I had to have surgery on my knee and am still enduring painful months of physical therapy. Progressive is a terrible insurance company and needs to be stopped. Everyone needs to switch insurance companies. Many innocent people are being defrauded on a daily basis.

I am going to the Texas insurance Commission, they will be fined. I am having to hire an attorney to go after Progressive. Progressive has tried to send a "Licensed Engineer". Now that they have been caught. They had their chance and Progressive has been caught red handed, ONCE AGAIN.

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Sent to Collections 6 Months After Cancelling My Policy

By travisronk398 - 07/22/2015

Rating: 1/51

RUSTON, WASHINGTON -- Just sending out a warning about what a terrible company Progressive is for Auto Insurance and how unfair you can expect to be treated. Sure, their TV ads are cute and funny and their premiums are about as cheap. I used them for about three years and thankfully only had to use them for one very minor car repair, which they handled so poorly, I cannot imagine what a nightmare it would have been if it was serious accident. Their customer service is the worst I've ever experienced. And every phone call left me frustrated and with a disdain for the company after they kept me on the phone for up to an hour each call and pass me off from agent to agent, each asking for all my info before they could talk to me.
Here's the deal...I had a policy for myself, my wife and son for about 3 years with Progressive and never had a problem...no accidents, one speeding ticket for my wife, no need for insurance and I always paid 6 months in full to get the top discount, pretty safe risk for an insurance company, I would think. Someone in a truck with a trailer hitch backed into my wife's Audi in a parking lot and did about $1700 damage her car, hit and run style. Not that big of a deal...we paid our $500 deductible and had it fixed, the shop handled all of it. About a year later our renewal came up and our policy had increased about $1200 more for 6 months (I always pay 6 months premium in full), I assumed this must be a mistake...when I call to question the increase, they say because of the accident that shows on our record. I explained that it's not a traffic accident, someone bumped our car in a parking lot. Because of the increase in premium I choose to shop for cheaper insurance, which we found and we changed companies. We continued to receive letters stating that our insurance was going to be canceled, I called before the policy date to tell them I was not renewing my policy and to cancel my policy. They continued to send me letters stating that if I didn't pay my policy would be canceled. After the cancellation date they continued to send me statements and each time they would be billing me for coverage, I would call them to tell them that they can canceled me, and that I had canceled and that they need to stop sending me statements and stop harassing me. They insisted that they have not canceled my policy and that they had been covering me all this time even though I had not paid. Eventually, they said the only way they could settle it was if I could send them a statement from my new insurance policy showing that I was covered after my policy with Progressive had ended...I scanned and emailed that to the proper person and did not hear anything until today almost a year later...from a collections company for Progressive for 6 months premium.... I know I don't owe them a dime and I know I hold the cards here...as long as they continue to harass me I will be spreading my message to as many people as will possibly listen... STAY CLEAR OF PROGRESSIVE INSURANCE. They will suck your time and frustrate the hell out of you.

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Scam artists

By Kelly - 12/18/2012

Rating: 1/51

IDAHO -- I was rear ended from a person insured by Progressive. After a week or two of waiting for them to get back to me, they told me to take my car to Lithia Ford in Boise to get an estimate. We did only to find out that we needed to make an appointment with ONLY their own examiner to look at the car. Now it is over a month and they sent someone who was supposed to call me, the owner to meet with them to look at the car. The guy they sent out to the site where the car was left a check on the front seat for $552.28 to replace a new back bumper, fix the trunk and electric trunk opener, fix the tail pipe, replace the crushed license plate and re-paint.

I was outraged and called Todd to see how he came up with amount. I asked him if he was going to do all that work for $552.28 (Which was less than half of all the estimates we got from repair shops.) Had to ask him twice. He told me no, that he does not do repairs. I called Progressive and had them set up an appointment at the shop so I could have a qualified estimator look at the car. Then the original adjuster's supervisor called me to tell me not to bring it in and that the check amount and claim would stand.

I have already called my agent to have her switch me from Progressive on all my toys and I will spread the news about these frauds anywhere I can. We are also doing up a complaint with the Bureau of Insurance. I am not looking for a new car, just a reasonable settlement at least close to what the estimates we got from reputable shops were. DO NOT GO WITH PROGRESSIVE!!! Try Safeco or anyone else. You get what you pay for.

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Deceptive Advertising for The Ultimate Cut Rate Insurance Company

By John - 07/05/2012

Rating: 1/51

GLOBE, ARIZONA -- Monday night a deer jumped in front of our car and my wife couldn't avoid hitting it. It damaged the front passenger side so badly that I couldn't open the passenger door. Tuesday morning at 6:30AM I called Progressive. The assured me that they would send someone out to inspect the vehicle on Thursday. I asked, "Why not today?" Their response was "Tomorrow is a holiday". Thursday came and went, without a phone call or a representative as scheduled. I emailed my claim representative and received no response. I called and she said she didn't know anything about it, although I talked to her on Tuesday.

She called back and said that it would be a week before someone could come to look at the car. When I asked why, she said it was because I live two hours from her office. So it's not okay for Progressive (The paid service provider) to be inconvenienced for a few hours, but it is okay for me (The paying customer) to be inconvenienced a whole week without a car to drive. They are supposed to provide a rental car, which they are clearly putting off as long as they can. They didn't even give me a courtesy call to let me know they weren't showing up on their originally scheduled day.

When I complained about the week delay, she suggested I just keep driving my banged up vehicle because it was still "drivable". So what am I supposed to do, jump in and out of the window like the Dukes of Hazard? When I switched over from State Farm, Progressive promised me equal or better service. That was a lie because State Farm would never take more than a day to inspect the vehicle, would never make me wait a week for my rental car, and would never suggest I drive an unsafe, damaged vehicle.

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Botched Repair/Ripping off customer in concierge service centers

By Sarah - 06/05/2012

Rating: 1/51

WEST PALM BEACH, FLORIDA -- Car went in for minor front end repair from an accident; 2009 VW Jetta Wolfsburg. Came back with hood and lights all wrong. Hood seemed too long/hooded over the headlights. It appears they used non-oem, perhaps used/refurb parts. Doesn't look right. Worse, the shop they chose apparently can't properly recode a car after taking battery out either. Stereo doesn't work now, which was working when I dropped it off, but of course the stereo now not working as soon as I pick it up is all just a big coincidence. What a crock.

Please, whatever you do, do NOT take your vehicle here for any type of repair. They not only send it off to a repair shop that does a poor job, but also do not care and do not stand behind their work. My wife noticed the front end looked goofy as soon as she saw it... You're telling me their "professionals" (I use the term loosely) didn't notice what my accountant wife picked up on right away?! It's not even her car... I'll update once we get the assessment from a real shop. Plan to also send that report along with our paperwork to the Attorney General in FL. People have to be complaining about this other than just us...

The shop they sent it to isn't even registered with the BBB!!!! This is what we get from an insurance company we have been with for almost 10 years and never had a claim?! STAY AWAY FROM PROGRESSIVE SERVICE CENTERS - THEY PURPOSEFULLY TELL SHOPS TO USE NON-OEM/USED/REFURB PARTS AND COULDN'T CARE LESS WHAT HAPPENS TO YOUR CAR. THEY WILL ALSO STILL CHARGE YOU AS IF THE SHOP DID A TOP QUALITY REPAIR!

The guys working there are NOT repair/automotive trained personnel. They are there to do the paperwork and get the cheapest local shop to do the minimum repairs on your car while still charging you as if they are from a real dealership or autobody shop. We made this mistake by not researching it before we agreed to them "handle" our repair for us because it would be "so convenient".

We were 2+ weeks without a car, got it returned with a goofy looking front end full of crap parts and our premium stereo no longer functioning. THANK YOU PROGRESSIVE FOR SERVICE BEFITTING A LONG TIME CUSTOMER! I'D RATHER PAY MORE SOMEWHERE ELSE THAN GIVE THEM ANOTHER $1.

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Rip Off Con Artists Swall Car Dealership

By lipstick - 04/09/2011

CALGARY, ALBERTA CANADA, ARKANSAS -- On Wednesday March 23, 2011, I visited Progressive Leasing & Auto Sales for a potential vehicle purchase. Upon arrival I met salesman **. Told him that I was looking and that I would have to get a car loan. ** told me that I could put a deposit down to hold it and if I was turned down for a loan I would get my money back immediately. So I put a deposit down of $2400.00 on their used 2004 Audi A4 1.8T AWD and he had me sign what looked like a sales agreement. ** instantly said not to worry I still would get the deposit back if I hadn't a loan.

Same day Wednesday March 23, 2011, I drove directly to my bank and applied for a car loan with **, Financial Services Rep at Royal Bank of Canada on Strathcona Blvd SW. He informed me that I may not get an approval because of my debt ratio and insufficient credit rating but he will send it into the RBC Loan Center and see what the outcome is.

On Wednesday March 30, 2011, I got a call from ** of Royal Bank of Canada to meet me regarding the loan. Upon my meeting, I was informed by ** of RBC that my application for a car loan was turned down for the reasons he mentioned in our prior meeting a week earlier and was handed the letter of the non approval. Same day March 30, 2011, I called ** of Progressive Leasing & Auto Sales and notified him that I was turned down for the car loan.

On Saturday April 2, 2011, I received a call and spoke to **. He told me to meet him at his office on Tuesday April 5,2011 to pick up my refund deposit check and I said yes I will meet him. Shortly after the call on Saturday April 2, 2011, I received another call from ** telling me that I will not be getting my refund with no explanations and hung up on me.

On Tuesday April 5, 2011, I went to Progressive to see what the calls were about. I spoke to ** and he acknowledged out loud that he did say I will get reimbursed the deposit. When a man by the name of ** stepped in and said NO I won't. I showed him my letter from the bank and asked him why, his response was "that the money was a substantial amount" then walked away.

I then left Progressive Leasing & Auto Sales and filed a complaint (April 5, 2011) with the Better Business Bureau where the officer in attendance informed me that they are supposed to return the money according to the law and handed me the letter of complaint. BEWARE OF THIS COMPANY !!

PROGRESSIVE LEASING & AUTO SALES PERSONNEL IS SHORT On CUSTOMER SERVICE SKILLS, LACK OF MORALS, AND IS EXCEPTIONAL WITH BROKEN PROMISES. They succeed in specializing to rob the public from their hard earned money. Go ahead and just hand over YOUR hard earned money!

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I hope you don't get hit by a drunk progressive driver

By Dojasc - 07/06/2010

Top reasons why I will never switch from USAA to Progressive. Clientele: While driving down the highway, I was struck from the rear by an inebriated unemployed Progressive driver, who was already on probation for DUI. It feels good to insure others who would be court-martialed if they behaved like this individual.

Clarity: When I call USAA, I don't have to be transferred from a National Office to a local office, and since I don't need to be transferred I don't get two different stories about the service they provide. When I call Progressive, the national office tells me that they will go wherever I need, service and inspect the car wherever I like and generally accommodate me.

But when I call the local office I am told I must go to their body shop during working hours have my car checked out. When I call the national office and ask to speak to someone higher up, they route me to another claims adjuster in the same department who also cannot help. No bureaucracy, that's why I love USAA.

Availability: When I call USAA, I am told we will be here all night to help you. My Progressive claims adjuster works only works four days per week.

Attitude: When I speak to USAA about my accident they can't wait to genuinely show concern and look out for my welfare. When I can get a hold of anyone at Progressive, I get terse responses and feigned concern. When I come to the Progressive office, the claims adjuster tells the secretary to take my paperwork and lets the secretary try to determine what is happening with my case because she is too busy to see me (though she saw doing a deliberate about face upon seeing me and calls the secretary twice to see if I have gone away yet).

When she does come to see me she tells me “You just don't know how the insurance business works.” Clearly, I don't know how Progressive works, but I know how USAA does, I am treated with respect, concern and prompt service.

Responsibility: When I take the day off work to personally fetch police reports, contact sheriffs departments, rental car companies and bring needed documentation to the office, but am still told that Progressive does not have the documentation to repair my car and that I should contact my insurance company because they can work faster. USAA bends over backward to cover everything, pay out the claim and get my car into the shop though it was no fault of theirs; it consumes their time and resources and involves them unnecessarily.

Understanding and Timeliness: USAA understands when I tell them I am leaving at 5AM for pre-deployment certification training for two weeks and that I will not be able to contact them for two weeks. USAA apologizes for the service that Progressive has provided and stresses that they understand that it is not acceptable to leave my wife without transportation.

The Progressive claims adjustor tells me after an exterior examination of my car that it is not their fault that I am leaving, that the brake light on my dash must have been on before the accident and that my car should be drivable for my wife. Progressive also suggests that I should use my pre-deployment leave to fix the car. In a word USAA understands service.